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<title>担保风险系数计算</title>
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            <td width="3" style="background-image:url(images/rep_1.jpg) "><img alt="" src="images/rep_1.jpg" width="3" height="1"></td>
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                      <td><div style="padding-left:20px; padding-top:14px">
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                              <td width="43"><img alt="" src="images/p_1.jpg" width="32" height="32"></td>
                              <td>担保风险系数计算</td>
                            </tr>
                          </table>
                      </div></td>
                      <td width="7"><img alt="" src="images/p_2.jpg" width="7" height="60"></td>
                    </tr>
                </table></td>
              </tr>
              <tr>
                <th height="100%" align="left" valign="top" class="style2"><div style="padding-left:20px; padding-top:20px; line-height:14px; padding-bottom:0px; padding-right:15px"></div>
                    <div class="style2" style="padding-left:20px; padding-top:15px; line-height:14px; padding-bottom:0px; padding-right:25px">
                      <table width="252"  border="0" align="center">
                        <tr>
                          <td width="106"  class="style2 STYLE14">担保方式</td>
                          <td width="136" >
                            <label>
                              <input type="text" name="textfield19" width="60">
                              </label>                          </td>
                        </tr>
                      </table>
                      <p align="center" class="STYLE13">企业资产信息</p>
                      <table width="600" border="1" align="center" cellpadding="0" cellspacing="0" bordercolor="#000000" style="border-collapse: collapse" table> 

                        <tr>
                          <th width="200" height="28" scope="row">&nbsp;</th>
                          <td width="189" class="style2"><div align="center" class="style2">期末余额</div></td>
                          <td width="189" class="style2"><div align="center" class="style2">年初余额</div></td>
                        </tr>
                        <tr>
                          <td class="style2"><div align="right" class="STYLE11">
                            <div align="center">应收票据：
                              <!--包括主营业务收入和其他业务收入 -->
                            </div>
                          </div></td>
                      <td><input name="textfield3" type="text" /></td>
                          <td><input name="textfield38" type="text" /></td>
                        </tr>
                        <tr>
                          <td class="style2"><div align="right" class="STYLE11">
                            <div align="center">应收账款:</div>
                          </div></td>
                          <td><input name="textfield3" type="text" /></td>
                          <td><input name="textfield39" type="text" /></td>
                        </tr>
                        <tr>
                          <td class="style2"><div align="right" class="STYLE11">
                            <div align="center">存货：</div>
                          </div></td>
                          <td><input name="textfield32" type="text" /></td>
                          <td><input name="textfield310" type="text" /></td>
                        </tr>
                        <tr>
                          <td class="style2"><div align="right" class="STYLE11">
                            <div align="center">流动资产合计：</div>
                          </div></td>
                          <td><input name="textfield33" type="text" /></td>
                          <td><input name="textfield311" type="text" /></td>
                        </tr>
                        <tr>
                          <td class="style2"><div align="right" class="STYLE11">
                            <div align="center">固定资产：</div>
                          </div></td>
                          <td><input name="textfield34" type="text" /></td>
                          <td><input name="textfield312" type="text" /></td>
                        </tr>
                        <tr>
                          <td class="style2"><div align="right" class="STYLE11">
                            <div align="center">无形资产：</div>
                          </div></td>
                          <td><input name="textfield35" type="text" /></td>
                          <td><input name="textfield313" type="text" /></td>
                        </tr>
                        <tr>
                          <td class="style2"><div align="right" class="STYLE11">
                            <div align="center">流动待摊费用：</div>
                          </div></td>
                          <td><input name="textfield36" type="text" /></td>
                          <td><input name="textfield314" type="text" /></td>
                        </tr>
                        <tr>
                          <td class="style2"><div align="right" class="STYLE11">
                            <div align="center">资产总计：</div>
                          </div></td>
                          <td><input name="textfield315" type="text" /></td>
                          <td><input name="textfield316" type="text" /></td>
                        </tr>
                        <tr>
                          <td class="style2"><div align="right" class="STYLE11">
                            <div align="center">现销收入：</div>
                          </div></td>
                          <td><input name="textfield317" type="text" /></td>
                          <td><input name="textfield318" type="text" /></td>
                        </tr>
                        <tr>
                          <td class="style2"><div align="right" class="STYLE11">
                            <div align="center">折旧累计：</div>
                          </div></td>
                          <td><input name="textfield319" type="text" /></td>
                          <td><input name="textfield320" type="text" /></td>
                        </tr>
                      </table>
                      <p>&nbsp;</p>
                      <p align="center" class="STYLE13">负债信息</p>
                      <table width="600" border="1" align="center" cellpadding="0" cellspacing="0" bordercolor="#000000" style="border-collapse: collapse" table>
                        <tr>
                          <th width="200" scope="col">&nbsp;</th>
                          <td width="189" class="style2"><div align="center" class="STYLE11">期末余额</div></td>
                          <td width="189" class="style2"><div align="center" class="STYLE11">年初余额</div></td>
                        </tr>
                        <tr>
                          <td class="style2"><div align="right" class="STYLE11">
                            <div align="center">应付利息：</div>
                          </div></td>
                          <td><input name="textfield321" type="text" /></td>
                          <td><input name="textfield322" type="text" /></td>
                        </tr>
                        <tr>
                          <td class="style2"><div align="right" class="STYLE11">
                            <div align="center">流动负债合计：</div>
                          </div></td>
                          <td><input name="textfield323" type="text" /></td>
                          <td><input name="textfield324" type="text" /></td>
                        </tr>
                        <tr>
                          <td class="style2"><div align="right" class="STYLE11">
                            <div align="center">负债合计：</div>
                          </div></td>
                          <td><input name="textfield325" type="text" /></td>
                          <td><input name="textfield326" type="text" /></td>
                        </tr>
                        <tr>
                          <td class="style2"><div align="right" class="STYLE11">
                            <div align="center">所有者权益：</div>
                          </div></td>
                          <td><input name="textfield327" type="text" /></td>
                          <td><input name="textfield328" type="text" /></td>
                        </tr>
                      </table>
                      <p>&nbsp;</p>
                      <p align="center" class="STYLE13">企业利润</p>
                     <table width="600" border="1" align="center" cellpadding="0" cellspacing="0" bordercolor="#000000" style="border-collapse: collapse" table>
                        <tr>
                          <th width="200" scope="col">&nbsp;</th>
                          <td width="189" class="style2"><div align="center" class="STYLE11">本期金额</div></td>
                          <td width="189" class="style2"><div align="center" class="STYLE11">上期金额</div></td>
                        </tr>
                        <tr>
                          <td align="right" class="style2" dir=""><div align="center"><span class="STYLE11">营业收入：</span></div></td>
                          <td><input name="textfield3212" type="text" /></td>
                          <td><input name="textfield3222" type="text" /></td>
                        </tr>
                        <tr>
                          <td align="right" class="style2"><div align="center"><span class="STYLE11">营业成本：</span></div></td>
                          <td><input name="textfield3212" type="text" /></td>
                          <td><input name="textfield3222" type="text" /></td>
                        </tr>
                        <tr>
                          <td align="right" class="style2"><div align="center"><span class="STYLE11">营业利润：</span></div></td>
                          <td><input name="textfield3212" type="text" /></td>
                          <td><input name="textfield3222" type="text" /></td>
                        </tr>
                        <tr>
                          <td align="right" class="style2"><div align="center"><span class="STYLE11">营业外收入：</span></div></td>
                          <td><input name="textfield3212" type="text" /></td>
                          <td><input name="textfield3222" type="text" /></td>
                        </tr>
                        <tr>
                          <td align="right" class="style2"><div align="center"><span class="STYLE11">利润总额：</span></div></td>
                          <td><input name="textfield3212" type="text" /></td>
                          <td><input name="textfield3222" type="text" /></td>
                        </tr>
                        <tr>
                          <td align="right" class="style2"><div align="center"><span class="STYLE11">所得税费用：</span></div></td>
                          <td><input name="textfield3212" type="text" /></td>
                          <td><input name="textfield3222" type="text" /></td>
                        </tr>
                        <tr>
                          <td align="right" class="style2"><div align="center"><span class="STYLE11">净利润：</span></div></td>
                          <td><input name="textfield3212" type="text" /></td>
                          <td><input name="textfield3222" type="text" /></td>
                        </tr>
                      </table>
                      <p>&nbsp;</p>
                      <p align="center"><span class="STYLE4 STYLE12 STYLE13">现金流量</span></p>
                      <table width="600" border="1" align="center" cellpadding="0" cellspacing="0" bordercolor="#000000" style="border-collapse: collapse" table>
                        <tr>
                          <td width="200" class="STYLE10"><div align="center"></div></td>
                          <td width="189" class="style2"><div align="center">本期金额</div></td>
                          <td width="189" class="style2"><div align="center">上期金额</div></td>
                        </tr>
                        <tr>
                          <td width="200" class="style2"><div align="right" class="STYLE11">
                            <div align="center">经营活动产生的现金流量：</div>
                          </div></td>
                          <td class="style2"><div align="left">
                              <input type="text" name="textfield" />
                          </div></td>
                          <td class="style2"><div align="left">
                            <input type="text" name="textfield2" />
                          </div></td>
                        </tr>
                        <tr>
                          <td width="200" class="style2"><div align="right" class="STYLE11">
                            <div align="center">经营活动现金流入小计：</div>
                          </div></td>
                          <td class="style2"><div align="left">
                              <input type="text" name="textfield37" />
                          </div></td>
                          <td class="style2"><div align="left">
                              <input type="text" name="textfield4" />
                          </div></td>
                        </tr>
                        <tr>
                          <td width="200" class="style2"><div align="right" class="STYLE11">
                            <div align="center">经营活动现金流出小计：</div>
                          </div></td>
                          <td class="style2"><div align="left">
                              <input type="text" name="textfield5" />
                          </div></td>
                          <td class="style2"><div align="left">
                              <input type="text" name="textfield6" />
                          </div></td>
                        </tr>
                        <tr>
                          <td width="200" class="style2"><div align="right" class="STYLE11">
                            <div align="center">投资活动产生的现金流量：</div>
                          </div></td>
                          <td class="style2"><div align="left">
                              <input type="text" name="textfield7" />
                          </div></td>
                          <td class="style2"><div align="left">
                              <input type="text" name="textfield8" />
                          </div></td>
                        </tr>
                        <tr>
                          <td width="200" class="style2"><div align="right" class="STYLE11">
                            <div align="center">投资活动现金流入小计：</div>
                          </div></td>
                          <td class="style2"><div align="left">
                              <input type="text" name="textfield9" />
                          </div></td>
                          <td class="style2"><div align="left">
                              <input type="text" name="textfield10" />
                          </div></td>
                        </tr>
                        <tr>
                          <td width="200" class="style2"><div align="right" class="STYLE11">
                            <div align="center">投资活动现金流出小计：</div>
                          </div></td>
                          <td class="style2"><div align="left">
                              <input type="text" name="textfield11" />
                          </div></td>
                          <td class="style2"><div align="left">
                              <input type="text" name="textfield12" />
                          </div></td>
                        </tr>
                        <tr>
                          <td width="200" class="style2"><div align="right" class="STYLE11">
                            <div align="center">筹资活动产生的现金流量：</div>
                          </div></td>
                          <td class="style2"><div align="left">
                              <input type="text" name="textfield13" />
                          </div></td>
                          <td class="style2"><div align="left">
                              <input type="text" name="textfield14" />
                          </div></td>
                        </tr>
                        <tr>
                          <td width="200" class="style2"><div align="right" class="STYLE11">
                            <div align="center">筹资活动现金流入小计：</div>
                          </div></td>
                          <td class="style2"><div align="left">
                              <input type="text" name="textfield15" />
                          </div></td>
                          <td class="style2"><div align="left">
                              <input type="text" name="textfield16" />
                          </div></td>
                        </tr>
                        <tr>
                          <td width="200" class="style2"><div align="right" class="STYLE11">
                            <div align="center">筹资活动现金流出小计：</div>
                          </div></td>
                          <td class="style2"><div align="left">
                              <input type="text" name="textfield17" />
                          </div></td>
                          <td class="style2"><div align="left">
                              <input type="text" name="textfield18" />
                          </div></td>
                        </tr>
                        <tr>
                          <td width="200" class="style2"><div align="right" class="STYLE11">
                            <div align="center">递延所得税资产减少：</div>
                          </div></td>
                          <td class="style2">
                              <div align="center">
                                <select name="select">
                                  <option value="-">增加</option>
                                  <option value="+">减少</option>
                                </select>
                              </div>                          </td>
                          <td class="style2"><div align="center">
                              <select name="select2">
                                <option value="-">增加</option>
                                <option value="+">减少</option>
                              </select>
                          </div></td>
                        </tr>
                        <tr>
                          <td width="200" class="style2"><div align="right" class="STYLE11">
                            <div align="center">递延所得税负债增加：</div>
                          </div></td>
                          <td class="style2">
                           
                              <div align="center">
                                <select name="select3">
                                  <option value="-">减少</option>
                                  <option value="+">增加</option>
                                </select>
                              </div>                          </td>
                          <td class="style2"><div align="center">
                              <select name="select4">
                                <option value="-">减少</option>
                                <option value="+">增加</option>
                              </select>
                          </div></td>
                        </tr>
                      </table>
                      <p>&nbsp;</p>
                      <p align="center" class="STYLE13">非财务信息</p>
                      <table width="600" border="1" align="center" cellpadding="0" cellspacing="0" bordercolor="#000000" style="border-collapse: collapse" table>
                        <tr>
                          <td width="200" class="STYLE10"><div align="center"></div></td>
                          <td width="384" class="STYLE10"><div align="center"></div></td>
                        </tr>
                        <tr>
                          <td class="style2"><div align="right" class="STYLE11">
                            <div align="center">成本结构：</div>
                          </div></td>
                          <td class="style2"><div align="left">
                              <select name="costStructures" id="costStructures">
                                <option value="1">低固定成本，高变动成本</option>
                                <option value="2">固定成本，变动成本平衡</option>
                                <option value="3">固定成本略高于变动成本</option>
                                <option value="4">高固定成本，低变动成本</option>
                              </select>
                          </div></td>
                        </tr>
                        <tr>
                          <td class="style2"><div align="right" class="STYLE11">
                            <div align="center">行业成熟期：</div>
                          </div></td>
                          <td class="style2"><div align="left">
                              <div align="left">
                                <div align="left">
                                  <select name="maturePeriod" id="maturePeriod">
                                    <option value="1" selected>成熟行业</option>
                                    <option value="2">正在成熟行业</option>
                                    <option value="3">迅速成长的新兴行业</option>
                                    <option value="4">爆炸性的新兴行业</option>
                                  </select>
                                </div>
                              </div>
                          </div></td>
                        </tr>
                        <tr>
                          <td class="style2"><div align="right" class="STYLE11">
                            <div align="center">行业受周期性影响程度：</div>
                          </div></td>
                          <td class="style2"><div align="left">
                              <select name="select5">
                                <option value="1" selected>销售不受影响</option>
                                <option value="2">销售增长和下降较为温和</option>
                                <option value="3">销售受繁荣和萧条的轻度影响</option>
                                <option value="4">销售高度周期行或反周期性</option>
                              </select>
                          </div></td>
                        </tr>
                        <tr>
                          <td class="style2"><div align="right" class="STYLE11">
                            <div align="center">行业盈利性：</div>
                          </div></td>
                          <td class="style2"><div align="left">
                              <select name="select6">
                                <option value="1">扩张到衰退持续盈利</option>
                                <option value="2">在衰退期持续盈利，但低于平均水平</option>
                                <option value="3">扩张期盈利，衰退期略有亏损</option>
                                <option value="4">扩张期和衰退期都不盈利</option>
                              </select>
                          </div></td>
                        </tr>
                        <tr>
                          <td class="style2"><div align="right" class="STYLE11">
                            <div align="center">法律、政策环境：</div>
                          </div></td>
                          <td class="style2"><div align="left">
                              <div align="left">
                                <div align="left">
                                  <select name="select7">
                                    <option value="1">法律和政策是稳定的，无不利影响</option>
                                    <option value="2">法律和政策的变化和影响是轻微的</option>
                                    <option value="3">法律和正常的变化的可能性大，有负面影响</option>
                                    <option value="4">法律和政策存在突变可能性，有重大负面影响</option>
                                  </select>
                                </div>
                              </div>
                          </div></td>
                        </tr>
                        <tr>
                          <td class="style2"><div align="right" class="STYLE11">
                            <div align="center">行业依赖性：</div>
                          </div></td>
                          <td class="style2"><div align="left">
                              <div align="left">
                                <div align="left">
                                  <select name="select8">
                                    <option value="1">顾客和供应商高度多元化</option>
                                    <option value="2">局限于几个行业，但没有一个占购销总额的10%以上</option>
                                    <option value="3">有的占购销总额的20%-30%以上</option>
                                    <option value="4">高度依赖一两个行业或顾客群</option>
                                  </select>
                                </div>
                              </div>
                          </div></td>
                        </tr>
                        <tr>
                          <td class="style2"><div align="right" class="STYLE11">
                            <div align="center">产品替代性：</div>
                          </div></td>
                          <td class="style2"><div align="left">
                              <select name="select5" id="select">
                                <option value="1">没有替代品</option>
                                <option value="2">有少数替代品或转换成本高</option>
                                <option value="3">有数种替代品或转换成本轻微</option>
                                <option value="4">有多种替代品或无转换成本</option>
                              </select>
                          </div></td>
                        </tr>
                        <tr>
                          <td class="style2"><div align="right" class="STYLE11">
                            <div align="center">企业规模：</div>
                          </div></td>
                          <td class="style2"><div align="left">
                              <div align="left">
                                <select name="select9" id="select3">
                                  <option value="1">市场份额位于前列</option>
                                  <option value="2">中等规模</option>
                                  <option value="3">市场份额较小</option>
                                  <option value="4">市场份额最小</option>
                                </select>
                              </div>
                          </div></td>
                        </tr>
                        <tr>
                          <td class="style2"><div align="right" class="STYLE11">
                            <div align="center">产品多样化：</div>
                          </div></td>
                          <td class="style2"><div align="left">
                              <select name="select5" id="select4">
                                <option value="1">产品多样，用途广</option>
                                <option value="2">产品多样，作用有限</option>
                                <option value="3">品种有限，用途有限</option>
                                <option value="4">产品单一，用途单一</option>
                              </select>
                          </div></td>
                        </tr>
                        <tr>
                          <td class="style2"><div align="right" class="STYLE11">
                            <div align="center">企业所处发展阶段：</div>
                          </div></td>
                          <td class="style2"><div align="left">
                              <select name="select5" id="select5">
                                <option value="1">稳步增长</option>
                                <option value="2">趋于稳步增长</option>
                                <option value="3">快速增长</option>
                                <option value="4">爆炸性速度增长</option>
                              </select>
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                        </tr>
                        <tr>
                          <td class="style2"><div align="right" class="STYLE11">
                            <div align="center">市场竞争情况：</div>
                          </div></td>
                          <td class="style2"><div align="left">
                              <select name="select10" id="select6">
                                <option value="1">没有直接竞争对手</option>
                                <option value="2">有一些竞争对手，但总体超过对方</option>
                                <option value="3">面临大公司轻度竞争</option>
                                <option value="4">面临大公司激烈竞争</option>
                              </select>
                          </div></td>
                        </tr>
                        <tr>
                          <td class="style2"><div align="right" class="STYLE11">
                            <div align="center">管理层经验和素质：</div>
                          </div></td>
                          <td class="style2"><div align="left">
                              <select name="select11" id="select7">
                                <option value="1">管理着有丰富的经验</option>
                                <option value="2">管理者有一定经验</option>
                                <option value="3">管理者经验有限</option>
                                <option value="4">管理者缺乏管理经验</option>
                              </select>
                          </div></td>
                        </tr>
                        <tr>
                          <td class="style2"><div align="right" class="STYLE11">
                            <div align="center">管理层稳定性：</div>
                          </div></td>
                          <td class="style2"><div align="left">
                              <select name="select12" id="select8">
                                <option value="1">管理层年轻团结稳定</option>
                                <option value="2">管理层年龄老化，但稳定团结</option>
                                <option value="3">管理层内部不够团结</option>
                                <option value="4">管理层内部不团结，人员变动频繁</option>
                              </select>
                          </div></td>
                        </tr>
                        <tr>
                          <td class="style2"><div align="right" class="STYLE11">
                            <div align="center">财务管理能力：</div>
                          </div></td>
                          <td class="style2"><div align="left">
                              <select name="select13" id="select9">
                                <option value="1">有很强的财务管理能力</option>
                                <option value="2">有较强的财务管理能力</option>
                                <option value="3">财务管理能力一般</option>
                                <option value="4">财务管理能力较差</option>
                              </select>
                          </div></td>
                        </tr>
                        <tr>
                          <td class="style2"><div align="right"class="STYLE11">
                            <div align="center">法律纠纷：</div>
                          </div></td>
                          <td class="style2"><div align="left">
                              <select name="select14" id="select10">
                                <option value="1">与工商税务银行关系良好，没有法律纠纷</option>
                                <option value="2">与工商税务银行关系较好，没有法律纠纷</option>
                                <option value="3">与工商税务银行关系一般，偶有法律纠纷</option>
                                <option value="4">与工商税务银行关系较差，常有法律纠纷</option>
                              </select>
                          </div></td>
                        </tr>
                        <tr>
                          <td class="style2"><div align="right"class="STYLE11">
                            <div align="center">内部控制与管理：</div>
                          </div></td>
                          <td class="style2"><div align="left">
                              <select name="select15" id="select11">
                                <option value="1">内部组织构架健全</option>
                                <option value="2">内部组织构架较为健全</option>
                                <option value="3">内部组织构架一般</option>
                                <option value="4">内部组织构架较差</option>
                              </select>
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